> Self-insuring in the US is an expensive proposition for anyone regardless of age or medical history. Anyone? I've done it, while over the age of 50 and male

> Self-insuring in the US is an expensive proposition for anyone regardless of age or medical history. Anyone? I've done it, while over the age of 50 and male in the SF Bay Area. It wasn't that expensive. And yes, I went with a full-coverage policy with no deductible and a minimal co-pay. I could have saved a lot of money by going with an HSA. I've posted the numbers before. Sure, you've read some horror stories. Google "Gell-Mann effect".